What are the current interest rates at Finex Credit Union?

Current rates for Finex Credit Union include: 12-Month CD: 0.85%, 18-Month CD: 0.85%, 24-Month CD: 0.90%, Savings: 2.02%, MMA: 0.05%

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Finex Credit Union

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Finex Credit Union Rates & Review September 2026

Q: How many branches does Finex Credit Union operate?

Finex Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Is a member application needed to join Finex Credit Union?

Yes, to access services at Finex Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Q: Is there a first-time homebuyer program?

Currently, Finex Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Finex Credit Union provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: September 22, 2026

Finex Credit Union's 12-MONTH CD SPECIAL rates are at 4.33%, 9 Month Special-NEW MONEY ONLY rates are at 3.45%, 18 Month Special-NEW MONEY ONLY rates are at 3.25%, 36 Month CD rates are at 1.00%, 24 Month CD rates are at 0.90%. Finex Credit Union's savings rates are at 2.02%. Finex Credit Union's money market rates are at 0.05%. MonitorBankRates evaluates the financial stability of Finex Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 9.34%. Rates last updated and verified on 09/22/2026.

Finex Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Finex Credit Union? Share your experience about Finex Credit Union by leaving a review below, or read customer reviews before you decide to use Finex Credit Union.

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

Excellent Health Score: 95/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

9.34%

Excellent Higher than avg

Health Trend

Steady 12 quarters

Full history ›

Finex Credit Union
Finex Administrative Office

18 Elmer St
East Hartford, CT 06108-2547

https://www.finexcu.org

Finex Credit Union CD Rates

Product	Rate	APY	Term
12-MONTH CD SPECIAL	4.25%	4.33%	12 month
Min Deposit $1,000 Details FEATURED Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.34%
9 Month Special-NEW MONEY ONLY	3.40%	3.45%	9 Month
Min Deposit $1,000 Details NEW MONEY ONLY Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.34%
18 Month Special-NEW MONEY ONLY	3.20%	3.25%	18 Month
Min Deposit $1,000 Details NEW MONEY ONLY Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.34%
36 Month CD	1.00%	1.01%	36 month
Min Deposit $1,000 Details New Money is considered funds not currently under deposit at Finex Credit Union. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.34%
24 Month CD	0.90%	0.90%	24 month
Min Deposit $1,000 Details New Money is considered funds not currently under deposit at Finex Credit Union. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.34%
12 Month CD	0.85%	0.85%	12 month
Min Deposit $1,000 Details New Money is considered funds not currently under deposit at Finex Credit Union. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.34%
18 Month CD	0.85%	0.85%	18 month
Min Deposit $1,000 Details New Money is considered funds not currently under deposit at Finex Credit Union. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.34%
6 Month CD	0.60%	0.60%	6 month
Min Deposit $1,000 Details New Money is considered funds not currently under deposit at Finex Credit Union. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.34%

Finex Credit Union Savings Rates

Product	Rate	APY	View More
High Yield Savings Account	2.00%	2.02%
Min Balance $10,000 Details New Money Only. Rates as of September 1, 2026 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.34%

Finex Credit Union Money Market Rates

Product	Rate	APY
Money Market Account	2.00%	2.02%
Min Deposit $2,500 Min Balance $75,000 Details Rates as of September 1, 2026 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.34%
Money Market Account	1.00%	1.01%
Min Deposit $2,500 Min Balance $50,000 Details Rates as of September 1, 2026 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.34%
Money Market Account	0.10%	0.10%
Min Deposit $2,500 Min Balance $25,000 Details Rates as of September 1, 2026 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.34%
Money Market Account	0.05%	0.05%
Min Deposit $2,500 Min Balance $2,500 Details Rates as of September 1, 2026 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.34%

Finex Credit Union Checking Rates

Product	Rate	APY
Most Valuable Member Checking Account	1.50%	1.51%
Details Rates as of September 1, 2026 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.34%
Most Valuable Member Checking	1.50%	1.50%
Min Balance $25,000 Details Earn a higher rate of 1.50% on balances up to $25,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.34%

Finex Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
12 Month Certificate	0.85%	-	0.85%	12 month
Min Deposit $1,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.34%
18 Month Certificate	0.85%	-	0.85%	18 month
Min Deposit $1,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.34%
24 Month Certificate	0.90%	-	0.90%	24 month
Min Deposit $1,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.34%
36 Month Certificate	1.00%	-	1.01%	36 month
Min Deposit $1,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.34%
6 Month Certificate	0.60%	-	0.60%	6 month
Min Deposit $1,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.34%
Most Valuable Member Checking	-	-	1.50%
Min Balance $25,000 Details Qualifications Required: 1 Direct Deposit with a minimum amount of $300 (ACH credit will be accepted if direct deposit is unavailable to member); Sign up for eServices (with a valid email address); 12 Finex Credit Union Debit Card point-of-sale transactions or Signature (Qualifying Transactions) in the amount of $1 or more, post to your account.; Earn 1.50% APY on balances up to $25,000! No foreign ATM fees. Free first order of checks. Access to over 55,000 surcharge-free ATMs. Get paid up to 1 day early. 24/7 fraud monitoring. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.34%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
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Financial Health History

Finex Credit Union’s Texas Ratio rose from 7.90% in Q2 2023 to 9.34% in Q1 2026, so its financial health has held steady at a healthy level over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
March 31, 2026	$134M	9.34%	5.0	A
December 31, 2025	$133M	12.36%	5.0	A
September 30, 2025	$134M	15.72%	4.9	A-
June 30, 2025	$139M	14.49%	5.0	A-
March 31, 2025	$145M	13.97%	5.0	A
December 31, 2024	$141M	15.49%	5.0	A-
September 30, 2024	$143M	18.09%	4.7	B+
June 30, 2024	$152M	16.74%	4.9	A-
March 31, 2024	$149M	16.54%	4.9	A-
December 31, 2023	$150M	15.96%	4.9	A-
September 30, 2023	$151M	12.32%	5.0	A
June 30, 2023	$111M	7.90%	5.0	A

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Finex Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather Finex Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Finex Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Finex Credit Union

Website https://www.finexcu.org

Address 18 Elmer St, East Hartford, CT 06108-2547

Phone 860-282-0001

Fax 860-760-6034

President Anthony Homicki

CEO Joseph Bartolotta

Full-Time Employees 34

Part-Time Employees 2

Branch Locations 3

ATM Locations 3

NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A (95/100)

Texas Ratio

9.34%

Return on Assets (ROA)

0.0800%

Return on Equity (ROE)

0.9285%

Non-Performing Loans Ratio (NPL)

1.31%

Total Assets

134,153,300

Total Amount of Shares and Deposits

118,215,192

Total Shares and Deposits < 1 Year

114,642,982

Total Shares and Deposits 1 3 Years

3,138,364

Total Shares and Deposits > 3 Years

433,846

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

11,416,659

Total Uninsured Shares and Deposits > $250K (F+J)

11,416,659

Total Insured Shares and Deposits > $250K (item 17 less item K)

106,798,533

Total Interest Expense (Sum of items 6 8)

221,181

Share Certificates

386

Number of Accounts for Share Drafts

5,874

IRA KEOGH Accounts

319

Number of Accounts for Regular Shares

17,681

All other shares

Non Member Deposits

Money Market Shares

216

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

7,970,797

Total Liabilities

122,596,647

Source: NCUA — Last Updated 03/31/2026

2026 MBR Health & Safety Badge

Finex Credit Union earned the Verified Healthy badge

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Frequently Asked Questions About Finex Credit Union

How many branches does Finex Credit Union operate?

Finex Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join Finex Credit Union?

Yes, to access services at Finex Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, Finex Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Finex Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Finex Credit Union offer online and mobile banking?

Most modern institutions like Finex Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.finexcu.org.